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Fino Payments Bank share price & results

Fino Payments Bank Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Asset-light payments bank serving underserved and rural India through a pan-India merchant network offering CASA, remittance, AePS/Micro-ATM and BC banking, now transitioning into a Small Finance Bank.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue72.0 ₹ crore+18.0% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating margin-295.0 %+262.0 pts YoYOperating profit / revenueQuarter to Jun 2026For the quarter; a change is in percentage points.
Net profit-14.0 ₹ crore−177.8% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.
Return on equity2.96 %−6.7 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)22.75 %−2.8 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

3 of 7 judged targets kept · 14 open · verdicts reflect calls analysed to Q1 FY27.

Fino Payments Bank Limited management guidance track record on Inve: 21 targets tracked across analysed earnings calls (3 achieved, 4 missed, 14 open).

TargetOriginal wordingSaidLatest callVerdict
FY25 Revenue Growth25% for FY '25
Call transcript, Q3 FY25 · 30 Jan 2025		Q3 FY25Q1 FY27:Previously achieved
Call transcript, Q1 FY27 · 14 Aug 2026		Achieved
FY26 Revenue GrowthExceed 25% and above, in FY '26
Call transcript, Q4 FY25 · 29 Apr 2025		Q4 FY25Q1 FY27:Previously missed
Call transcript, Q1 FY27 · 14 Aug 2026		Missed
Net Interest Margin (NIM)8% to 10%
Call transcript, Q4 FY26 · 30 Apr 2026		Q4 FY26Q1 FY27:Guidance revised to a range of 8% to 9%.
Call transcript, Q1 FY27 · 14 Aug 2026		Revised Down

Source: Inve Guidance Tracker for Fino Payments Bank Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

4 of Fino Payments Bank Limited's 21 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 18 more targets are in the full ledger.

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Price

₹121.35 +1.49% · +₹1.78

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −62.0% 1Y

₹100₹150₹200₹250₹300Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 30 Oct 2025Q3 FY26 — 30 Jan 2026Q4 FY26 — 30 Apr 2026Q1 FY27 — 14 Aug 2026

1Y: ₹319 on 24 Oct 2025 → ₹121.35. High ₹319 (24 Oct 2025), low ₹112.46 (24 Mar 2026).

Previous close
₹119.57
Market cap
₹995 Cr
52-week range
₹112.46 – ₹318.25
One year
−61.79%
Price to earnings (TTM to Jun 2026)
43.26×
Return on equity (TTM to Jun 2026)
2.96%

Overview

Symbol
NSE:FINOPB
Exchange
NSE
Currency
INR

What Fino Payments Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

Fino Payments Bank is a specialised Indian bank focused on payments and banking services for underserved households, gig-economy workers and rural communities. It runs a 'phygital' (physical + digital) distribution model, using a large network of merchants who act as local banking representatives instead of a conventional branch network, to offer savings accounts, domestic money transfer, Micro-ATM/AePS cash withdrawal, mobile banking and cash-management services. It earns through CASA/float income, digital-payment and transaction fees, cash management services (CMS), BC (business-correspondent) banking for partner banks, and treasury operations, and has received RBI in-principle approval to convert into a Small Finance Bank.

Segments

  • CASA
  • Digital Payment Services
  • Transaction Business
  • CMS
  • BC Banking
  • Treasury & Others
Merchant network
20.6 lakh (Q3 FY26)
Branches & Customer Service Points
126 (71 branches + 55 customer service points)
Pin-code coverage across India
97%
CASA accounts
1.68 crore (Q3 FY26)
Digitally active customers
59.8 lakh (Dec'25)
Total transaction throughput
₹118.1k Cr (Q3 FY26)
Founded 2017Headquarters Navi Mumbai, MaharashtraEmployees 2,897 (Q3 FY26 (Dec'25)) Company website

How the price took the results

close before → close after

Q1 FY27
−8.2%
14 Aug
Q4 FY26
−6.1%
30 Apr
Q3 FY26
−2.5%
30 Jan
Q2 FY26
−0.6%
30 Oct

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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